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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,546 | $59,839-35.6% | $81,988-53.0% | $79,858-51.7% |
| Participation rate | 52.1% | 61.6%-9.6pp | 69.3%-17.2pp | 69.6%-17.6pp |
| Annual return | 9.47% | 17.56%-8.1pp | 41.31%-31.8pp | 31.72%-22.3pp |
| Employer contribution / active EE | $1,141 | $1,713-33.4% | $2,498-54.3% | $2,471-53.8% |
| Participant deferral / active EE | $2,658 | $2,695-1.4% | $3,722-28.6% | $3,740-28.9% |
| Admin fee / account holder | $7,065 | $4,287+64.8% | $5,665+24.7% | $5,306+33.2% |